When you’re shopping for auto insurance, you want to be adequately covered in case of an accident. After all, you’re protecting your life and your investment, as well as the lives of those around you. So, here’s a quick primer that outlines the basics of auto coverage:
Liability coverage is the most important coverage and is required in most states. Basically, if you cause an accident, hurt someone or damage someone’s property, it can pay for covered damages and to defend you if a lawsuit results. Learn more about liability coverage.
Collision coverage helps pay for damage to your vehicle if your car hits another car or object, is hit by another car, or your vehicle rolls over. This coverage is generally required if your car is financed or leased. Learn more about collision coverage.
Comprehensive coverage helps pay for damage to your vehicle that is not caused by a collision. Examples include theft, vandalism, hitting a deer or other animal, storms and certain natural disasters. Learn more about comprehensive coverage.
Medical payments coverage helps pay for covered medical expenses for anyone injured while in your vehicle, regardless of who is at fault. Learn more about medical payments coverage.
Uninsured/underinsured motorist coverage can help pay for damages and medical costs resulting from an accident caused by someone who has no insurance or inadequate insurance coverage. Learn more about uninsured/underinsured motorist coverage.
Personal injury protection (PIP), also called no-fault insurance is available in certain states and pays medical expenses, and in some cases lost wages and other damages regardless of who is at fault in an accident. Learn more about personal injury – no fault – insurance protection.
In addition to these basic coverages, you can choose from a host of optional coverages to create a customized auto policy that meets your individual needs.
Be confident in your insurance choices. We’ll work with you to develop an auto insurance policy that fits your needs and your budget.
The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts, packages, deductibles, repair options, billing options and other features are subject to availability and to individuals meeting our underwriting criteria. Not all features available in all areas.
If you cause an auto accident, you need protection for the damage you might do to another person and that person’s property. That’s what auto liability insurance is all about.If you’re in an accident in which you’re at fault, your property damage liability pays for the covered damage you’ve caused to the other car and provides you with legal defense if the other party files a lawsuit against you. Your bodily injury liability covers the costs associated with the covered injuries you may have caused to other people in that accident and also provides for a legal defense if you’re sued.
Key points when choosing liability insurance:
Most states require all motorists to maintain some form of liability insurance. We can help you understand your state requirements and select the amount of liability coverage that’s right for you.
If you’re in an accident with another vehicle or object – or your vehicle overturns – your collision coverage will pay for the covered damage to your vehicle. The maximum amount you’d receive is the actual cash value of your vehicle minus the deductible you chose for this coverage.
Key points about collision insurance:
If your car is stolen or is damaged by something other than collision, you’ll want to have comprehensive coverage to help pay for the loss. The maximum amount you’d receive is the actual cash value of your vehicle minus the deductible you chose for this coverage.
Key points about comprehensive insurance:
The medical payments portion of your policy pays for covered medical expenses up to policy limits for this coverage for anyone injured in your vehicle – regardless of who’s at fault. It also covers you and your family members who might be involved in an accident as a pedestrian. Coverages vary by state. In some states, medical payments are covered under personal injury protection (PIP), also known as no-fault insurance.
It’s scary to realize that some drivers on the road have no insurance or have insufficient coverage. But when you have uninsured/underinsured motorist coverage, you’ll have protection even if you’re in an accident with one of those drivers.
Key points about coverage for uninsured/underinsured motorists:
The requirement for uninsured motorist coverage varies by state. In most states, it applies only to bodily injury coverage, but you can usually add uninsured/underinsured motorist property damage coverage to your policy as well.
Personal injury protection – or PIP – is often referred to as no-fault insurance because covered claims are paid regardless of who is at fault in an accident.
Key points about PIP no-fault insurance:
If you live in a state where PIP is required by law, your auto insurance policy should include this no-fault insurance. Coverages vary by state. In some states medical payments are covered under medical payments coverage.
As you build your auto policy, you may want to add one or more of the following coverage options. Please note that in some states, some of these coverages may already be included in your auto policy:
|Coverage||Commonly Purchased Limits|
|Bodily Injury Limit||$100,000 person / $300,000 per accident|
|Uninsured Motorist||$100,000 person / $300,000 per accident|
|Underinsured Motorist||Combined with Uninsured Motorist|
|Uninsured Motorist Property Damage||$50,000|
|Full Personal Injury Protection?||Yes|
|Medical Expense Coverage||$75,000|
|Medical Expense Deductible||$250|
|Maximum Weekly Income / Length of Income Continuation||$250 per week / $104 weeks max|
These are sample coverages and limits only. Additional coverages not listed may also be available in our state.